Springfield News-Sun

Costco Anywhere Visa offers new rewards method

- Clark Howard Learn more money-saving tips online at Clark.com.

This article was written by Christophe­r Smith and originally appeared on Clark.com.

Stacking benefits is one of life’s simple pleasures. If you’re a Costco member and frequent shopper, then that’s precisely what you can do with the Costco Anywhere Visa Card by Citi.

In addition to paying 2% cash back at Costco and Costco.com, the Costco Anywhere Visa Card offers cash back on gas, restaurant­s, eligible travel and more.

However, the way you redeem your rewards is particular. And perhaps rigid.

You get an annual rewards certificat­e along with your February credit card billing statement. Then you need to take the certificat­e to a Costco. From there, you can redeem your certificat­e for Costco merchandis­e or cash. (It’s up to the discretion of the individual Costco location if the certificat­e can be redeemed for actual cash or a check.)

However, cardholder­s can now access another, more convenient option. That’s what a listener of the Clark Howard Podcast recently pointed out.

The Costco Anywhere Visa Card traditiona­lly giveth and taketh away. In addition to 2% off everything at Costco, it offers up to 4% cash back on eligible categories. But it limits you to one reward certificat­e per year. And you have to physically visit a Costco in order to use your annual reward. At least, that used to be the case. But we got some nice intel from a Clark listener on the March 2 podcast episode.

Andrew in Georgia wrote: “Clark, I never hear you mention this fact about the Costco Citi rewards. Because our recent reward was over $300, Citi emailed me and said I could choose a direct deposit option instead of using it at Costco.

“I chose the direct deposit, and I had the funds in my bank account within three days. This was so much easier than trying to figure what to buy in order to redeem my rewards.”

The major catch with the $300 limit is that, if you only used it for shop- ping at Costco, you’d need to spend $15,000 at Clark’s favorite store in order to rack up enough rewards to access direct deposit.

The 4% cash back on eligible gas and EV charging applies to purchases for the first $7,000 per year and then 1% thereafter. And the 3% on restaurant­s and travel can cut down the amount you’d have to spend at Costco to unlock the direct deposit rewards option.

“With the Citi rewards, you can go into the store and you just have them turn it into a check,” Clark says.

“Or because it was creating so much hassle for the front end at Costco, and I’m sure some embedded costs for Citi, they now offer this option for you to convert it into a direct deposit into an account of your choosing. I love that.”

Dear Heloise: In light of the problems people are having with getting pulled over, here some things I learned during a recent incident when I was pulled over for a minor violation.

1. Pull over in a safe place as soon as you can.

2. Very important: Stay in your car. The officer will come to you.

3. Roll down your window, put a smile on your face, and be polite and patient.

4. In our state, you will need to present several documents to the officer. It makes things go quicker if you know where these documents are located. This includes your current driver’s license, the car registrati­on and proof of your car insurance.

5. Be patient. The officer will run your name, registrati­on number, etc., through his computer to see if there are problems. This process will take a few minutes.

6. When the officer hands you your citation, smile and thank him for his service.

7. Drive off slowly. — R.P.B., Mabelvale, Arkansas

Full dishwasher

Dear Readers: To save water and energy use, if you do not have enough dirty dishes to fill the dishwasher, take out china that’s been stored for a while or other barely used glasses, tableware or silverware. Use these to fill up the dishwasher so that you have a full load. —

Emergencie­s at home

Dear Readers: Many emergencie­s, minor and serious, happen in our homes. This includes dog bites, falls and slips, heart attacks, fires, floods, electrical issues, and other dangerous problems. It’s a good idea to sit down with family members to discuss family emergencie­s and home crises

 ?? ??

Newspapers in English

Newspapers from United States